Requote at Every Renewal
Prices reviewed 2026-11-12
Bottom line: Your violation gets cheaper to insure every year, but loyalty rarely gets rewarded. Requote 2 to 3 weeks before each renewal.
The price you got right after your violation is usually the highest you'll ever pay. As time passes, other insurers may price you more kindly than your current one.
When to requote
- Two to three weeks before each renewal
- At age milestones (21 and 25)
- When a violation passes the three-year mark
- The day your SR-22 requirement ends
How to switch safely
- Buy the new policy first.
- Confirm that the new SR-22 was filed.
- Then cancel the old policy, with no gap.
Will switching restart my SR-22 period?
No, as long as there's no gap between filings.